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Insurance

Posted: Thu May 25, 2006 11:30 am
by Gyrthofhwicce
Can anyone recomend a good insurance company to cover stock and 3rd parties?

Thanks

Posted: Thu May 25, 2006 11:57 am
by david smith
Join the Historic Traders branch of the NMTF - contact Pete the Pong for details.

Best wishes
David

Posted: Thu May 25, 2006 12:25 pm
by Lord High Everything Esle
The NMTF membership includes 5m public liability, employers liability (anyone helping you even if unpaid), product liability (maybe even if someone slips on a rug while peeling an apple with a knife).

They also organise through an agent insurance for just about everything to do with your business - van, stock, buildings, fire etc.

Most organisersa are happy to accept a current membership card as proof of insurance.

http://www.nmtf.co.uk/ and ask for a membership pack. Remember to join the Historic Traders Branch.

Posted: Thu May 25, 2006 12:32 pm
by Gothic-Haven
Lord High Everything Esle wrote: Remember to join the Historic Traders Branch.

Which is the fastest growing branch of the NMTF... Also the more policies you take out with them.. home.. car..van..etc the more discount you get on your membership..

Posted: Thu May 25, 2006 12:56 pm
by Steve Stocker
I can heartily recommend the NMTF. All problems of insurance and liability solved with one very reasonable payment per year and they are recognised by most event organisers. :)

Posted: Thu May 25, 2006 2:41 pm
by Gyrthofhwicce
Lovely stuff, thank you all very much. :D

Posted: Wed May 31, 2006 12:13 am
by Pete the Pong
Steve Stocker wrote:I can heartily recommend the NMTF. All problems of insurance and liability solved with one very reasonable payment per year and they are recognised by most event organisers. :)

Wrong. We are accepted by ALL event organisers
(otherwise Duke Henry sends in our personal militia)

Posted: Fri Aug 18, 2006 9:35 am
by Guest
I need PL insurance for an exhibition I'm doing and intended to take out the NTMF membership however they wouldn't cover me for this show as it isn't a market with MOP's, so wasn't worth doing as my stock is covered by my home insurance whether away or in the house

I have now got cover with these people http://www.craftinsurance.co.uk/individ ... urance.htm who cover craft fairs, exhibitions and anywhere else I ply my trade at, a bit pricier at £86 without EL or stock cover but had no choice unfortunately
Dawn

Posted: Wed Aug 23, 2006 12:26 pm
by Annie the Pedlar
Yes, you have to have 5 traders to be a 'market' and therefore covered by NMTF insurance but you are 1 trader, the gift and/or coffee shop is another so you only need another 2 people selling stuff....

But I do agree, that its a right pain when a part of what you do is not covered. I got told off for having 2 insurance policies that overlapped on some things - but what is a sometime loner craftsman/ demonstrater and sometime gregarious trader/demonstrater to do?

Back to the NMTF - I've moved my van and house contents over to them and saved 100s of pounds (mind you moving from what the police call the 'Wild West' to the lowest crime rate place in Britain might have helped :wink: ) - and my stock is covered.

Posted: Wed Aug 23, 2006 12:47 pm
by sally
I've got the NMTF and the Craftsman insurance, for the simple reason that NMTF didnt cover any sales made over the internet or not at fairs. Couldnt think of a good way to sort it otherwise. Between them I think I've got just about every possible scenario covered though :D

Posted: Thu Aug 24, 2006 7:35 pm
by agesofelegance
yes think I will do both eventually if needed.
The show I'm doing is an exhibition with about 200 traders but as it's not open to public but wholesale buyers they said it wasn't covered
Dawn

Posted: Sun Nov 05, 2006 9:09 pm
by Baldrick
Right, as someone who is hoping to start trading next season I really need to get this straight :roll:

Most of the trading I will be doing will be during our groups normal gigs, and may mean that for the majority of the time I may be the sole trader at that event (I am not the only trader in our group). Because this will be our first season trading we are still building our venture etc, so costs really need to be kept to a minimum. So would you advise that I go for the Craftpersons insurance or the NMTF one, or both??? :? :?


Craig.

Posted: Sun Nov 05, 2006 11:07 pm
by Pete the Pong
Baldrick wrote:Most of the trading I will be doing will be during our groups normal gigs,

Does a "normal gig" involve ANYONE selling ANYTHING else at the same venue? Tickets, hot dogs, icecream etc.? If so you are almost certainly covered by the NMTF. To be honest I can't visualise any event open to the public where you would not be covered. However if "normal gigs" are posh weddings etc then you wouldn't be. But that sort of event is useless as far as selling anything is concerned.
If in doubt pm me!!!

Posted: Mon Mar 05, 2007 4:02 pm
by Guest
sally wrote:I've got the NMTF and the Craftsman insurance, for the simple reason that NMTF didnt cover any sales made over the internet or not at fairs. Couldnt think of a good way to sort it otherwise. Between them I think I've got just about every possible scenario covered though :D

Can you (or anyone else) tell me about this Craftsman insurance? I am looking into insurance for my proposed metals and alchemy demonstrations. I will be doing various demos of medieval technology, and although the MoPs will be behind barriers, I think insurance is a good idea.

Posted: Mon Mar 05, 2007 4:19 pm
by guthrie
Oops, the above was me. I forgot to log in.

Posted: Mon Mar 05, 2007 4:27 pm
by Annie the Pedlar
Replying to Pete - yes a hot dog vendor would count as one as would an ice cream van or the ticket seling hut at a museum. They have to be selling something but it doesn't stipulate what.

For Craig - don't feel alone - we all go through this. If you are in a group you might find everyone chipping into the pot will get you what you want and keep the individual's cost down. Be careful with the NMTF insurance - if you are the only trader you will not be covered...for anything eg stock nicked from you van or if you have a prang and smash a crate of pots etc.....You need those 4 other traders.
You will find the craftsman's insurance has its own irritating little get out clauses so

READ THE SMALL PRINT before you choose.

I don't know whether its worth going back to John Hughes. He was singing his own praises at the NLHF. I don't know whether he's changed the terms of his insurance (due to our constant moaning) so its of more use to us little arty craft multi talented people who won't be jammed into a box. And the other one to investigate is the black powder or was it the gun toting brigade insurance people? It sounded an extremely weird way to go but their insurance was cheap and covered the most peculiar things like school kids sticking my authenie brass pins into their friends......

Posted: Tue Mar 06, 2007 6:08 pm
by Baldrick
Thanks Annie. :wink:

Posted: Tue Mar 06, 2007 6:40 pm
by sally
The Craftsman one covers teaching your craft as well if you tell them you will be doing this when you take out the policy, so potentially handy if you do an occasional school session or workshop in the village hall as long as your main purpose is still based on your craft.

For more regular school visits, does anyone have any alternative insurance suggestions (the 'go in, show off the kit, teach a new craft skill and answer questions' type school visit, not the 'I'm all alone with the children standing in for their teacher' type, which is a slightly different minefield)

Posted: Wed Mar 07, 2007 9:27 am
by Annie the Pedlar
If anyone is about to take out insurance can you hang on a mo. I've just been told of a new one that seems to be tailor made to what we are doing. I'm waiting for details. I want to read the small print.
PM me if you are interested and I'll pass on details when I get them.
Annie

Posted: Wed Mar 07, 2007 9:05 pm
by Annie the Pedlar
Attila and Baldrick I've PMed you but it looks like the PMs are stuck in e-limbo. :cry:
Have you received them? If not email me on anne.chernett at btinternet dot com..... :roll:

Posted: Thu Mar 08, 2007 8:45 am
by Annie the Pedlar
Oh, its OK. Attila's got her's. There seems to be a long time lag before the message actually gets sent.

Posted: Thu Mar 08, 2007 10:59 am
by Attilla the Bun
And it sounds great!